What kind of education insurance is suitable for a 1 year old child?

Hello, I happen to be looking for it today. My colleagues in the office also bought it.

Xueba says insurance, focusing on product evaluation! Many people have some doubts about the education fund, since the troubles are the same, then I will talk about what the education fund is, what a good education looks like If you want to get more dry knowledge about the education fund, you might as well take a look at this article:Is Education Worth Buying?

Which education funds are recommended to buy? 》

Before buying an education fund, it is better to understand the advantages and disadvantages of the education fund. Then decide whether you want to buy it or not, and how you can buy it. Let's take a look at the details.

Education is a type of financial insurance, its strengths are:

Low risk, high security

The level of earnings is stable

However, there are drawbacks to education:

Low yields。Scheduled earnings up to 3 4%, can not make a lot of money;

Poor liquidity。You need to pay on time every year, for more than ten years, and you can't take it out easily.

Let me talk about what a good education fund should look like

The predetermined interest rate is higher

In order to increase the value of the existing funds and ensure the children's future education, this is the purpose of buying education funds. The higher the predetermined interest rate of the product, the higher the actual rate of return will be。A one-time single payment, the sooner the better, this is the secret to increasing the rate of return.

Matching education gaps

The amount of time you will receive money in the future should correspond to the time when you need to spend the most money on education.

For example, if you only want to ensure that your child goes to college, then you can choose a short-term payment to receive money for education at university. Hope!

The types of insurance suitable for children aged 1 year old are as follows:

The first is the children's survival insurance, which provides corresponding protection for children at different stages of growth. For example, education in elementary school, junior high school, high school and university, entrepreneurship after joining the work, marriage, and even retirement pension. This type of insurance allows the insured to save a lump sum** at specific stages of life, reducing the financial burden on the family.

The second is the Accidental Death and Disability Insurance. The insurance provides protection for the death and disability of the insured children in the event of an accident, which is generally attached to the children's survival insurance, and does not set up a separate type of insurance.

In addition, it is a medical insurance for children's illness. This insurance provides coverage for the insured child's expenses due to illness**, hospitalization, and surgery. According to China's current medical system, children and adolescents are basically in a state of no medical insurance at this age, so it is recommended that parents can consider purchasing children's medical insurance.

Extended reading: [Insurance] How to buy, which is better, defeat Huai teaches you to avoid these insurance"pits"

Hello! There are 4 basic types of insurance that children should buy:

1. Children's medical insurance.

Children's medical insurance in social security can provide the most basic medical protection for children.

It can be handled 28 days after the birth of the child, and the parents must handle it in time to let the baby get basic protection.

In addition, if it is done within 3 months of birth, the baby's medical expenses from this time of birth will be reimbursed.

As for **, the charging standard of children's medical insurance varies slightly from region to region, but the state will subsidize 40% to 60%, so the annual cost is between 100-500, and we don't have to worry about it.

2. Medical insurance.

Like children's medical insurance, it is to protect the medical risks caused by accidents or diseases, which can well supplement the shortcomings of children's medical insurance, and it is reimbursement-based.

At present, there are two common types of commercial medical insurance: million medical insurance and small medical insurance.

Million medical insurance can reimburse millions of medical expenses, and the premium is only a few hundred yuan, which is very cost-effective.

Generally, if the deductible reaches 10,000 yuan, you can reimburse various medical expenses such as hospitalization, surgery, medicine, and examination fees.

When choosing a product for your child, focus on the following points:

If the child's immunity is low and the frequency of minor illnesses and pains is high, you can also configure a small medical insurance to minimize the cost when the child is sick.

3. Critical illness insurance.

Although the child does not need to bear the family finance** and has no income, once the child is seriously ill, the parent will definitely have to take care of it, and the income will definitely be greatly affected for the family.

At this time, if there is children's critical illness insurance, you can make up for the lost income, and you can also pay for the child's subsequent nutrition expenses, and even use it to repay car loans and housing loans.

When choosing a product, you should pay attention to the following points:

4. Accident insurance.

Children are more active and prone to bumps, and accident insurance can reimburse the outpatient and hospitalization expenses incurred by the child's accidental injury.

Children's accident insurance is usually not very high, and it can be bought for as little as a few dozen dollars.

However, it should be noted that the state stipulates that the maximum insurance amount for accidental death of minors is limited to less than 500,000 yuan, and the maximum insurance amount for 10-year-old is limited to less than 200,000 yuan.

However, among the above four items, because most parents can afford the deductible for accidental medical treatment, they can focus on the first three when choosing.

In addition, after laying the foundation for accidents and illnesses for their children, parents who still have spare energy can also plan their children's future education expenses in advance.

You can choose a safe and stable children's annuity insurance or an increased whole life insurance with clear returns, so that you can have enough funds to use when your children need it.

Hope daddy's is helpful to you!

Hello! Your insurance awareness is very good. The protection plan you plan for your child is also very comprehensive, it is recommended that you may wish to combine the actual situation of your child, go to the Huize online to comprehensively compare the specific children's insurance products of each insurance company, and then choose the best, Coarse Oak hopes to help you!

For the comprehensive protection of your child, it is recommended that you first choose a card-type children's insurance product that is suitable for your child's protection, and then on this basis, buy him an appropriate education insurance round stool product with a certain financial income as the future education protection.

A card-based children's insurance product suitable for your child, welcome to choose: Happy Baby ( ) Card Super Edition A, which includes illness protection, accident protection, critical illness protection, hospitalization medical treatment, accident medical treatment and other benefits.

For insurance products suitable for children's education protection, it is recommended that you refer to the Sunshine Journey Education Fund Insurance Plan on Wise.com, which is an education fund protection plan designed for children and teenagers, and you can freely choose junior high school orange pomace education fund, high school education fund, university education fund and marriage and entrepreneurship fund according to the age and actual needs of your baby.

It is better to choose education fund and universal insurance for children's education insurance.

1. Universal insurance, all kinds of insurance amounts can be used, the income is guaranteed, and the normal subcutaneous limbs are higher than the bank's crack handicap. Can be withdrawn at the time of hunger.

2. All insurance companies have education funds, generally paid in 5 years, paid in 10 years, paid to 15 years old, the premium requirements are a little higher, there are fixed income and dividends, and the overall is a little better than universal income, but there is no universal flexibility, you can't withdraw money in the middle, you can only take a little dividend (what you earn is dividends, and it is best to take it last).

Please add a detailed explanation.

In fact, when buying education insurance for children, it is most important to choose products according to their own protection needs, after all, each education fund product can provide different protection, and the premiums are also different, do not follow the trend of insurance; At present, the products on the market, such as Hengan Standard Jinzhi Qihang Education Annuity Insurance (Internet) and Evergrande Splendid Future Education Annuity Insurance, are all good.

Parents must read: Is it necessary to buy education insurance? How to choose the right product?

Next, the senior sister will introduce to you an education fund suitable for 3-year-old children, which is from Hengan Standard Life's Jinzhi Qihang Education Golden Annuity Insurance (Internet)! Without further ado, let's go straight to the picture above:

1.There are abundant options for protection and payment periods

Jinzhi Qihang Education Golden Annuity Insurance (Internet) has two versions to choose from until the age of 25 and 30 years old, and parents can choose flexibly according to their own protection needs when insuring their children.

In addition, the payment period of Jinzhi Qihang Education Annuity Insurance (Internet) is still relatively flexible, there are single payment, 3 5 10 years payment these options can be selected, you can choose the appropriate payment period according to your own economic situation when you apply for insurance.

How to choose the payment period so that you will not lose?

2.Guaranteed content analysis

According to the terms, Jinzhi Qihang Education Golden Annuity Insurance (Internet) is an education insurance specifically for college and further study expenses, which is relatively simple and can give greater financial support to children in the process of receiving college and further education.

At the end of the insurance period, the insured is still alive, and there is a maturity insurance payment available, which will give the child longer and stronger support, whether it is for the child to start his own business, start a family, or save a considerable wealth for the future, it is no problem.

Is Hengan Standard Golden Wisdom Sailing Education Golden Annuity Insurance worth buying? These points must be notedHope!

First of all, it is very necessary to buy education insurance for children, and it is also a very good "foresight". But if you want to buy the right education insurance for your child, you can't just choose a random insurance product; It is recommended that parents must be clear about their children's insurance needs for education insurance before applying for insurance, and it will be easier to choose the right education insurance product according to their actual needs.

Next, the senior sister will take the example of buying education insurance for her child, and discuss it with you! Before starting, if parents have any questions about insurance knowledge, you may wish to click on this article to take a lookUltra-complete!

Everything you need to know about insurance is here

Generally speaking, the education insurance on the market is mainly based on annuity insurance, and the protection period can be long or short, and the long can be insured for decades, or even for life; The shorter option may be until the insured person turns 25 or the insured person turns 30.

Here, it is recommended that parents choose the appropriate protection period for their children according to their own financial situation, for example, if the family financial situation is average, it is a good choice to protect the insured until the age of 25 or 30.

However, no matter what kind of insurance period, it can at least provide a certain amount of financial security for the child's junior high school, high school, college and other important stages; For children, it is undoubtedly an extra guarantee and help.

Therefore, it is very necessary to buy an education insurance for your child.

Considering that the actual situation of each child is different, the same insurance plan may not be suitable for everyone, so the following senior sister will tell you two precautions for buying education insurance:

1.Before buying education insurance for your child, you must first configure your child with protection insurance such as critical illness insurance and medical insurance, after all, good health is more important than everything.

2.Invest your child in education insurance as early as possible, in short, the sooner the better; Because the sooner you insure your child, the sooner you can enjoy the corresponding protection.

Finally, if there are parents who want to buy education insurance for their children, this article is worth referencing:Latest! The 8 education fund reviews with the highest yields in 2022 are hereHope!

There are already 11 questions about this question, and many people have put forward good suggestions, and I believe that the subject has found the answer he wants to target. Therefore, I will not be verbose. Emphasize a few points, I hope the subject will pay attention.

The types of insurance that children under one year old need, in order of urgency, medical insurance, accident insurance, and critical illness insurance.

Children have poor resistance, and medical insurance is still necessary; Children under the age of one have poor mobility and are unlikely to have an accident, but with the increase of months, bumps and bumps are inevitable; Children under the age of five have a high probability of suffering from leukemia and other serious diseases, so it is necessary to pay attention to it and allocate critical illness insurance as soon as possible.

There are also unreliable ones, such as someone recommending a certain An's xx Fu, an insurance that has been criticized on Zhihu that is not good, how can you advertise here. There are also people who recommend buying life insurance for their children's code, which is just a show of fun, what is the use of life insurance for little children? Do small children have family responsibilities?

Limited money to spend on the cutting edge! If you have money to spare, it is the right way for the child's parents to buy life insurance for themselves.

Recently, a new children's critical illness insurance can be said to have hit a new low, but the protection is sufficient and full. Let's take a look at it, Sino-Dutch Children's Le Bao can insure 70 kinds of critical illnesses, 40 kinds of minor illnesses, 10 kinds of children's specific critical illnesses (leukemia, Kawasaki disease, etc.) The sum insured is doubled, and there is also a minor illness exemption, and the coverage age: 30 days to 17 years old, that is, you can apply for insurance at the full month.

Insurance period: 20 years, 25 years, 30 years, that is, the insurance can be insured up to the age of 30.

It is estimated that a boy under the age of 1 will purchase 800,000 insurance for 20 years until he is 30 years old, and only 904 yuan per year!

Girls under the age of 1 are guaranteed to buy 800,000 insurance for 20 years until they are 30 years old, and they only need 976 yuan per year!

If there are ten specific high-incidence critical illnesses such as leukemia, this ** can get double the sum insured of 800,000, 1.6 million! Let the child completely avoid the worries of the ** fee and recuperate with peace of mind.

Welcome to click on my avatar for private chat consultation, and buy good insurance for pit prevention and avoidance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"